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Can a credit card be overdue for a mortgage?

User: Rong 360 users City: National Category: Credit card overdue 2017-08-08 09:41:15

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                                There will be an impact. In today's society, the popularity of credit cards is very high, but this involves a problem of self-credit. Sometimes working too busy may ignore the repayment. When there is overdue, some friends will be very anxious. Will affect the futureLoan to buy a housechild. In fact, the bank is rightPersonal creditThe assessment is divided into two parts of the bank to determine the personal credit score 2: 1, bad credit credit record is five years, that is, you have mortgage, car loan,Student LoansOr other loans, there are no on-time repayment records, this bad record bank will check the records of the previous five years. 2, bad consumer credit record is also five years, that is, using credit card consumption (not the kind of buying a house, buying a car) did not repay in time, bad records will affect the mortgage in two years, the mortgage bank will increase in five yearsLending ratesAfter five years, the scrolling record will be pushed off.

Rong 360 enthusiastic friendsAnswered on 2017-08-09

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Credit card overdueThere are two types of influence on the cardholder's application for mortgage:Mortgage interest rateWill be raised or the number of loans will be reduced. If the cardholder has one or two credit card overdue and the overdue amount is not large enough to be returned within a short period of time, the bank is willing to lend it, butLending ratesWill be promoted or approvedLoan amountWas lowered. 2. The mortgage application is rejected. If the cardholder fails to repay the loan three times in a row within two years or accumulates six overdue repayments, the mortgage loan will not be obtained. Everyone can see clearly that the repayment period of the credit card bill is one month. If the credit card bill is overdue once after three consecutive months, if the credit card bill is overdue, it will be overdue, so the total of six times is six times overdue. Repayment. If the cardholder forgets to repay the loan, apply for a tolerance for repayment. Reimbursement refers to the repayment of the cardholder within three days after the latest repayment date, which can be counted as repayment on time, and no overdue will be recorded in the personal credit record.

Rong 360 enthusiastic friendsAnswered on 2017-08-09

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